How to Insure the House When Nobody’s Home

Insurance policies are contractual and include definitions that must be met in order for a claim to be paid. Some situations become complex and may require interpretation of the contractual language. As a Trusted Choice® agent, it is my responsibility to help explain coverages and options.

The risk of loss increases when a home is vacant for a long period of time. If you’re going away on vacation, there’s no need to write a new insurance policy. However, if you have purchased a new home before selling the old one, then it’s best to keep an eye on the clock. A homeowner’s policy is written with the expectation that someone is living there. If everything has been moved out of the property, then it is considered vacant. This, however, raises questions about exceptions. If a property is seasonally used and furnished then it could be considered a secondary dwelling.

It is important to write the correct policy, so if a loss occurs the claim will be accepted.